OR Comprehensive Endorsement 7.4

The Company hereby insures the owner of the indebtedness secured by the insured
mortgage against loss or damage which the insured shall sustain by reason of:

1. The existence of any of the following:

(a) "covenants", "conditions" or "restrictions" under
which the lien of the mortgage referred to in Schedule A can be cut off,
subordinated,
or otherwise impaired;

(b) Present violations on the land of any enforceable "covenants", "conditions" or "restrictions";

(c) Except as shown in Schedule B, encroachments of buildings, structures or
improvements located on the land onto adjoining
lands, or any encroachments
onto the land of buildings, structures or improvements located on adjoining
lands.

2. (a) Any future violations on the land of any "covenants", "conditions" or "restrictions" occurring
prior to acquisition of title to theestate or interest referred to in Schedule
A by the insured, provided such violations result in impairment or loss of
the lien of themortgage referred to in Schedule A, or result in impairment
or loss of the title to the estate or interest referred to in Schedule A if
theinsured shall acquire such title in satisfaction of the indebtedness secured
by the insured mortgage;

(b) Unmarketability of the title to the estate or interest referred to in Schedule
A by reason of any violations on the land, occurringprior to acquisition
of title to the estate or interest referred to in Schedule A by the insured,
of any "covenants", "conditions" or"restrictions".

3. Damage to existing improvements, including lawns, shrubbery or trees

(a) Which are located or encroach upon that portion of the land subject to
any easement shown in Schedule B, which damage results from the exercise
of the right to use or maintain such easement for the purposes for which
the same wasgranted or reserved;

(b ) Resulting from the exercise of any right to use the surface of the land
for the extraction or development of theminerals excepted from the description
of the land or shown as a reservation in Schedule B.

4. Any final court order or judgment requiring removal from any land adjoining
the land of any encroachment shown in Schedule B.

Wherever in this endorsement any or all the words "covenants" "conditions" or "restrictions" appear,
they shall not be deemedto refer to or include the terms, "covenants", "conditions" or "restrictions" contained
in any lease.

For purposes of this endorsement, the words "covenants," "conditions" or "restrictions" shall
not be deemed to refer to or includeany "covenants", "conditions" or "restrictions" relating
to environmental protection, except to the extent that a notice of a violation
oralleged violation affecting the land has been recorded in the public records
at Date of Policy and is not excepted in Schedule B.

This endorsement is made a part of the policy and is subject to all of the
terms and provisions thereof and of any prior endorsementsthereto. Except
to the extent expressly stated, it neither modifies any of the terms and
provisions of the policy and any priorendorsements, nor does it extend the
effective date of the policy and any prior endorsements, nor does it increase
the face amountthereof.